How much down payment does an FHA loan require in Florida?

Eligible FHA borrowers may be able to purchase with a 3.5% down payment. Credit, property and program requirements apply.

Can FHA financing be used for a Florida condo?

Yes, when the borrower and condominium meet FHA requirements. Condominium approval status should be checked early.

Florida FHA financing, personally reviewed

A clearer path to your Florida home.

Q: Does starting an inquiry require a credit pull?

No. The initial buying-plan inquiry does not require a credit pull. A credit report may be required later for an official application and approval.

FHA financing explained by a real loan officer who reviews every file personally.

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Where are you in the process?

Choose the next step that fits. Joe and his team will guide you from there.

01I’m researchingLearn how FHA loans work and what may fit.02I found a homeGet your numbers reviewed before making an offer.03I’m ready to applyStart the secure mortgage application.

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I’m Joe Pistone. I believe the best mortgage experience starts with something simple: tell people the truth, answer the phone, and do what you said you would do.

Whether this is your first home or your next one, my team and I will help you understand the numbers before you make a decision.

Joseph Pistone · NMLS 2087918CrossCountry Mortgage · NMLS 3029

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Florida FHA guidance

Start with the question that matters to you.

How much can I buy?

Review your comfortable payment, cash needed and price range before touring homes.

Does my credit fit?

Understand FHA credit guidelines and the practical steps that could strengthen your file.

What will closing cost?

See the down payment, estimated closing costs and possible seller contributions together.

Local Florida guidance

FHA loans across all 67 counties.

Miami Orlando Tampa Jacksonville St. Petersburg Fort Lauderdale Cape Coral Fort Myers Naples West Palm Beach Port St. Lucie Pensacola Tallahassee Gainesville Daytona Beach

Recent buyer resources

Useful answers before you apply.

August 21, 2026

Florida FHA Handbook Update: What Buyers Should Know

Read the guide →

August 20, 2026

Florida FHA Closing Form Update for 2026

Read the guide →

August 19, 2026

FHA Earnest-Money Documentation in Florida

Read the guide →

Browse all Florida FHA resources →

Straight answers

Common Florida FHA questions.

How much down payment does an FHA loan require?

Eligible borrowers may be able to purchase with 3.5% down. Credit, property and program requirements apply, so Joe will review the complete cost for your situation.

Can I use an FHA loan anywhere in Florida?

FHA financing is available across Florida, subject to property eligibility, county loan limits and approval. Joe serves buyers throughout all 67 counties.

Does this inquiry require a credit pull?

No. Starting the buying-plan inquiry does not require a credit pull. A credit report may be required later for an official application and approval.

Can FHA financing be used for a condo?

Yes, when the borrower and condominium meet FHA requirements. Joe’s team checks condominium approval status early.

Detailed FHA inquiry

Want Joe to review the full picture?

Answer the detailed questions below. Your answers are stored with your contact information so Joe’s team can give you a more useful first conversation.

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